Skip to the content

LD&B Insurance & Financial Services (LD&B) is an independent and employee owned firm that provides a full range of insurance and financial services to individuals and businesses. We are proud to serve clients in the central Shenandoah Valley and throughout the United States.

DISCLOSURE: Securities offered through Concourse Financial Group Securities, Inc. (CFGS), Member FINRA/SIPC. Advisory services offered through Concourse Financial Group Advisors, a DBA for CFGS, a Registered Investment Advisor. Member, FINRA and SIPC. LD&B Insurance and Financial Services is independent of CFGS.

Announcements

Please view our COVID-19 guidelines here.

Auto Insurance

Utilizing high deductibles on the physical damage coverages can help reduce premiums.
Get Coverage(opens in new tab)

Home Insurance

If you have tangible assets, you need the protection of a homeowners insurance policy.
Get Coverage(opens in new tab)

Business Insurance

As a business owner, you have enough on your mind without having to worry about your insurance needs.
Get Coverage(opens in new tab)

Health Insurance

Protecting you and your family through all stages of your life.
Get Coverage(opens in new tab)
Financial Services

Financial Services

Provide security for years to come with our full suite of financial services.
Contact Us(opens in new tab)
Employee Benefits

Employee Benefits

Help your business attract and retain the best employees.
Get Coverage(opens in new tab)

Recent News & Updates

Common Types of Surety Bonds & How They Work

Posted: May 19, 2022

A surety bond is a contract that ensures specific obligations are met. These bonds are often required for contractors working on government contracts. They are performance-based. A surety bond is a guarantee between three parties. The parties in a surety bond are: The Principal: The individual who is required to have a surety bond. The Obligee: The individual requesting the bond. The Surety Company: The...

Understanding What Your Home Insurance Policy Covers

Posted: May 16, 2022

Understanding your home insurance policy and what it covers is essential but easier said than done. Insurance contracts are written in a legal language unfamiliar to most of us. To understand your coverage, you may want to get help from a local insurance agent. You need to know what is covered – hopefully long before you need to file a claim. You likely have homeowners'...

4 Things to Know About Employment Practices Liability Insurance

Posted: May 4, 2022

Employment Practices Liability Insurance or “EPLI” is a form of business insurance specifically to protect against employment-related lawsuits. While the suit may not be accurate, once filed, you will need to defend against the case, which can prove to be very expensive without this type of insurance. The right Employment Practices Liability Insurance can help you get through challenging legal situations without sustaining severe financial...

How to Travel Safely with Travel Insurance

Posted: May 1, 2022

Planning a trip? We all look forward to trips to other states or countries or enjoying a cruise. You may not consider “What if something goes wrong?” but life can throw a curveball, and travel insurance can save the day when it does. What is Vacation Travel Insurance? Vacation travel insurance protects you when you visit another state or country. It is structured to help...